Our bills are always paid, but we are lucky we don't have to worry about that stuff. The way we save some money is to shop year round, I never stop, and that way you find the great deals. I ALWAYS go to every stores clearance isle to see what they have. Sometimes I buy nothing, and sometimes I come out with a ton of bags for little money. I only buy the clearance if I think it's a really good gift, I don't buy just because it's a deal. I already have 7 people completely done for Christmas, and they are wrapped! We also use credit cards only for all purchases. We get so many rewards that it's not beneficial to use cash. We get free hotel rooms, dinner cards, gift cards, and they can be used as gifts, or to purchase gifts, and that helps alot. I do like the idea of adding a little bit to each bill a month to ease it during the holidays! Genious! I would have never thought of that.